India's Regional Rural Banks clock record profit of Rs 10,177 crore in FY26
New Delhi, July 28
India's Regional Rural Banks have clocked their highest ever consolidated net profit of Rs 10,177 crore during FY 2025-26, reflecting a marked improvement in their performance in recent years, the Centre told the Parliament on Tuesday.
The RRBs have also shown consistent improvement in key financial parameters like Capital to Risk Weighted Asset Ratio (CRAR), deposits, advances, Non-Performing Assets (NPA), Credit-Deposit Ratio (CD ratio), Minister of State (MoS) for Finance Pankaj Chaudhary said in a written reply to a query in the Rajya Sabha.
"The Gross NPAs of the regional rural banks has come down to 5.4 per cent in 2025-26 from 6.1 per cent in 2023-24. The net worth of the RRBs has risen steadily to Rs 74,086 crore in 2025-26 from Rs 63,927 crore in 2023-24 and Rs 56,780 crore," the data said.
The MoS also said that that the Union government regularly reviews the performance and financial health of RRBs at national and regional levels.
As a follow-up, the Finance Ministry's Department of Financial Services conducts periodic and regular meetings with regional rural banks and sponsor banks at various levels.
"The agenda items for the review meetings include taking stock of RRBs on financial parameters, focus on technology upgradation, thrust on micro small and medium enterprise (MSME) portfolio. Besides, importance on loan diversification towards agri-allied, MSME and retail sectors and expansion of financial inclusion in rural and remote areas are other areas that are taken up at these review meetings," the MoS added.
The Union government also regularly reviews the progress made by RRBs in deepening financial inclusion in rural and remote areas.
"The targets for various financial inclusion schemes like Pradhan Mantri Jan-Dhan Yojana (PMJDY), Pradhan Mantri MUDRA Yojana (PMMY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Atal Pension Yojana (APY) are set by the Centre's Department of Financial Services and periodically monitored," MoS Chaudhary said.
— IANS
Reader Comments
ये आंकड़े तो अच्छे हैं, लेकिन मुझे लगता है कि ग्रामीण क्षेत्रों में MSME और कृषि-संबंधी ऋणों तक पहुंच अभी भी चुनौतीपूर्ण है। RRBs को डिजिटल अपग्रेडेशन पर और ध्यान देना चाहिए, खासकर दूर-दराज के इलाकों में जहां इंटरनेट कनेक्टिविटी कमजोर है। उम्मीद है कि ये प्रॉफिट ग्रामीण अर्थव्यवस्था को मजबूत करने में लगेगा।
Impressive turnaround! A record profit of Rs 10,177 crore and NPA reduction from 6.1% to 5.4% shows strong management. India's focus on financial inclusion is commendable - schemes like PMJDY and MUDRA are genuinely helping rural entrepreneurs. Would love to see more transparency on how these profits benefit the rural poor.
मुझे खुशी है कि RRBs का प्रदर्शन सुधर रहा है, लेकिन मैं अपने गाँव के अनुभव से कह सकती हूँ कि अब भी कई लोगों को बैंकिंग सेवाएं आसानी से नहीं मिल पाती। खासकर महिलाओं के लिए खाता खुलवाना और कर्ज लेना मुश्किल है। सरकार को इस पर और काम करना चाहिए। CD रेशियो में सुधार अच्छा संकेत है लेकिन जमीनी हकीकत अलग हो सकती है।
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